Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Missouri City

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Missouri City Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

48Reviewed

31Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6161 Savoy Drive, Houston, TX 77036

Expertise.com Rating

Review Sources

Google
4.9 (1013)
Facebook
4.5 (74)
Yelp
4.5 (9)

Why choose this provider?

Texan Insurance is a family owned company offering insurance solutions to clients in the Missouri City area. Catering to homeowners, this independent company develops customized policies to protect homes in the event of damage and shield clients from legal liability for accidents or injuries occurring on their property. For maximum policy benefits, Texan Insurance recommends smart device and security system installation and property repairs to ensure structural integrity and safety.

  • Multiple Carriers
  • Multiple Policy Types

5625 Farm to Market 1960 Road West, Houston, TX 77069

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Yelp
4.0 (1)

Why choose this provider?

Tom Stewart - State Farm Insurance Agent, a charter member of the Houston NW Chamber of Commerce, started his agency more than 45 years ago. His team has over a century of combined experience helping clients in and near Missouri City protect their dwellings and possessions from common disasters, theft, fire, and vandalism. In addition, Mr. Stewart handles renters insurance, auto insurance, life insurance, and business insurance as well as annuities. His staff also speaks Spanish.

  • Renter's Insurance
  • Multiple Policy Types

4935 Milwee Street, Houston, TX 77092

Expertise.com Rating

Why choose this provider?

Don Wright Insurance Agency is a company serving the greater Missouri City area. This firm is dedicated to ensuring clients' homes are adequately protected in case of damage, loss, or destruction. It provides quotes for policies that cover the physical dwelling as well as certain types of belongings contained within the home, such as sports equipment and scheduled personal property. Don Wright Insurance Agency also offers coverage for condominiums and rented property.

  • Multiple Policy Types

6001 Savoy Dr Ste 508, Houston, TX 77036

Expertise.com Rating

Why choose this provider?

Arlene Lollie & Associates has been providing homeowners insurance services in Missouri City and its surrounding areas since 2007. The company helps individuals recover from losses in their homes caused by uncertainties such as theft and accidents. Its agents help clients find out the options that fit their insurance needs and also help them to evaluate whether they need additional coverage. Arlene Lollie & Associates provides automobile, personal umbrella, and life insurance options.

  • Flood
  • Multiple Policy Types
  • Multiple Carriers

6633 Hillcroft Avenue, Houston, TX 77081

Expertise.com Rating

Review Sources

Google
4.6 (20)
Facebook
5.0 (12)

Why choose this provider?

AAIGOT Insurance Agency Inc. has offered homeowners insurance services in Missouri City and the surrounding areas since 1985. Its professionals explain policy guides to homeowners to help them identify the correct package to protect them in times of financial crises caused by property damage. The company has customer-oriented insurance clauses that cover personal property, main place of residence, and medical bills. It can also tailor a clause for the financial costs of living somewhere else while home repairs are being executed.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

10497 Town & Country Way #132, Houston, TX 77024

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

GSM Insurors is an independent insurance agency that has been serving the greater Missouri City area for over 80 years. This agency offers complimentary quotes from multiple carriers to help clients qualify for the most competitive rates. It secures named-peril and all-risk policies as well as supplemental coverage to ensure clients have the most extensive protection for their property and belongings. GSM Insurors also offers life and health insurance policies.

  • Personal Property Insurance
  • Multiple Policy Types

830 Julie Rivers Drive, Sugar Land, TX 77478

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Firstpro Insurance Group serves communities in Missouri City and throughout the state of Texas. It provides customized home insurance policies from carriers including Homeowners of America, Mercury Insurance, and Wellington. Its policies ensure that clients are protected from the financial consequences of disasters. It provides coverage for residence premises, other structures such as sheds and detached garages, personal property, and personal liability. The agency also offers auto, flood, and general liability insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How do you obtain FEMA assistance in Missouri City due to disaster-related non-coverage in your homeowner's insurance?

    If you require assistance because your homeowner's insurance does not provide adequate disaster coverage, write to the Federal Emergency Management Agency. You must describe your situation in Missouri City and include the denial or settlement letter from your insurance carrier. FEMA's contact information is as follows: FEMA P.O. Box 10055 Hyattsville, MD 20782-8055, Texas contact number: 940-898-5399

  • Can the proximity of your Missouri City home to a fire station affect your home insurance rate?

    Yes, if your house is close to a fire station or hydrant, your home insurance rates will be lower. Insurance companies will also consider the local fire department's capability and response timeliness. The Missouri City Fire Department has a Public Protection Class rating of 1/1Y, which is the highest that the Insurance Services Office can award.

  • Does standard homeowner's insurance in Missouri City cover damage caused by pests such as termites and squirrels?

    No, standard homeowner's insurance does not cover pest damage because it is classified as a preventable incident. This means that the damage could have been avoided if the homeowner in Missouri City had implemented proper maintenance programs. However, there are a few instances where pest damage can be covered. A mouse chewing on a wire, for example, can cause a fire. The insurer will only pay for fire-related damage in this case.

  • Can homeowner's insurance cover the full cost of rebuilding a home in Missouri City if it is destroyed?

    It is determined by the policy you have chosen. When you purchase a homeowner's insurance policy, you typically select the coverage limit, which determines how much the insurer will pay you if your home is destroyed. It is critical to determine whether your policy provides sufficient coverage to replace your home. You can do this by reviewing your policy each year and ensuring that your coverage corresponds to the current cost of rebuilding your Missouri City home.

  • Is it possible to receive a refund if you pay for your Missouri City homeowner's insurance in advance?

    Yes, if you have already paid all of your homeowner's insurance premiums for the year, the insurance company is required to give you a refund. For example, if you cancel your policy in Missouri City within a month of purchase, your insurer is required to refund all premiums for the remaining 11 months. However, be aware that some insurance companies will charge a financial penalty if you cancel a policy before it expires.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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